Compare Lancaster, KY Car Insurance Rates (2021)

Car insurance in Lancaster, KY averages $353 a month. Lancaster, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lancaster car insurance rates, compare quotes from the top car insurance companies in Lancaster, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lancaster, KY after a DUI are $5,059/year
  • Average car insurance rates in Lancaster, KY are $4,235/year
  • The cheapest car insurance company in Lancaster for teen drivers is USAA

If you need to buy Lancaster, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Lancaster, KY is right here.

You’ll find Lancaster car insurance rates, the cheapest Lancaster, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Lancaster, Kentucky car insurance rates to Nicholasville car insurance rates, Florence car insurance rates, and Independence car insurance rates.

Ready to find affordable Lancaster, KY car insurance today? Enter your ZIP code for fast, free Lancaster car insurance quotes.

Cheapest Lancaster, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lancaster, KY car insurance rates? Every Lancaster, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lancaster, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,179 $3,134 $2,883 $3,074 $12,139 $13,661 $3,496 $3,683
GEICO $3,286 $3,041 $3,436 $3,112 $6,749 $7,991 $2,682 $2,313
Liberty Mutual $2,630 $2,844 $2,223 $2,482 $11,542 $12,781 $2,751 $2,864
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $2,138 $2,016 $1,935 $1,934 $10,829 $12,263 $2,650 $2,695
State Farm $1,710 $1,710 $1,530 $1,530 $4,895 $6,233 $1,904 $2,096
Travelers $2,036 $2,068 $2,016 $2,016 $9,978 $16,014 $2,136 $2,432
USAA $1,814 $1,816 $1,639 $1,665 $4,799 $5,054 $2,283 $2,496

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Minimum Car Insurance in Lancaster, KY

Every driver must carry the minimum car insurance in Lancaster, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Lancaster, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lancaster, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lancaster, KY. Compare credit history car insurance rates in Lancaster from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lancaster, Kentucky

Insurance Company Poor Fair Good
Allstate $7,476 $5,181 $4,311
GEICO $6,702 $3,346 $2,180
Liberty Mutual $7,156 $4,412 $3,476
Nationwide $5,260 $4,162 $3,616
Progressive $5,066 $4,449 $4,158
State Farm $3,889 $2,363 $1,851
Travelers $5,382 $4,572 $4,556
USAA $4,013 $2,245 $1,829

Cheapest Lancaster, KY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lancaster, KY to rates for a clean record with top companies.

Annual Lancaster, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,663 $6,122 $6,556 $5,282
GEICO $2,428 $4,321 $6,581 $2,974
Liberty Mutual $4,174 $6,440 $5,004 $4,440
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,764 $5,604 $4,292 $4,569
State Farm $2,480 $2,922 $2,701 $2,701
Travelers $4,216 $4,334 $6,281 $4,517
USAA $2,036 $2,873 $3,424 $2,449

Cheapest Lancaster, KY Car Insurance for Teen Drivers

Teen car insurance in Lancaster, KY can be expensive. Take a look at rates from the top car insurance companies in Lancaster for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lancaster, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,139 $13,661
GEICO $6,749 $7,991
Liberty Mutual $11,542 $12,781
Nationwide $7,042 $8,761
Progressive $10,829 $12,263
State Farm $4,895 $6,233
Travelers $9,978 $16,014
USAA $4,799 $5,054

Cheapest Lancaster, KY Car Insurance for Seniors

Take a look at Lancaster, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lancaster, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,883 $3,074
GEICO $3,436 $3,112
Liberty Mutual $2,223 $2,482
Nationwide $2,775 $2,893
Progressive $1,935 $1,934
State Farm $1,530 $1,530
Travelers $2,016 $2,016
USAA $1,639 $1,665

Cheapest Lancaster, KY Car Insurance Rates After a DUI

A DUI in Lancaster, KY increases car insurance rates. Compare Lancaster, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lancaster, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,556
GEICO $6,581
Liberty Mutual $5,004
Nationwide $5,633
Progressive $4,292
State Farm $2,701
Travelers $6,281
USAA $3,424

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Cheapest Lancaster, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lancaster, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lancaster, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,656 $5,656
GEICO $4,038 $4,114
Liberty Mutual $5,015 $5,015
Nationwide $4,346 $4,346
Progressive $4,557 $4,557
State Farm $2,632 $2,770
Travelers $4,837 $4,837
USAA $2,596 $2,796

The Best Cheap Car Insurance Companies in Lancaster, KY

Take a look at a side-by-side comparison of the top car insurance companies in Lancaster, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lancaster, Kentucky

Insurance Company Average Annual Rates
Allstate $5,656
GEICO $4,076
Liberty Mutual $5,015
Nationwide $4,346
Progressive $4,557
State Farm $2,701
Travelers $4,837
USAA $2,696

Category Winners: Cheapest Car Insurance in Lancaster, Kentucky

Find the cheapest car insurance companies in Lancaster, KY for each category right here.

Best Annual Car Insurance Rates by Company in Lancaster, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Lancaster, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lancaster car insurance rates. Find the cheapest Lancaster, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lancaster, Kentucky

Insurance Company Low Medium High
Allstate $5,263 $5,634 $6,071
GEICO $3,806 $4,060 $4,363
Liberty Mutual $4,774 $4,984 $5,285
Nationwide $4,367 $4,301 $4,370
Progressive $4,181 $4,495 $4,997
State Farm $2,501 $2,697 $2,905
Travelers $4,574 $4,861 $5,075
USAA $2,572 $2,689 $2,827

What affects car insurance rates in Lancaster, Kentucky?

What factors can have an impact on Lancaster, KY car insurance? There are several reasons why Lancaster car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lancaster, Kentucky.

Commute Time in Lancaster

The more time you spend in your car the higher the risk of an accident. The average commute length in Lancaster, KY is 30.2 minutes according to City-Data.

Traffic in Lancaster

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lancaster, KY traffic data from INRIX ranks Lancaster as the 297th-most congested in the world.

Compare Car Insurance Quotes in Lancaster, KY

Ready to find affordable Lancaster, Kentucky car insurance today? Enter your ZIP code for fast, free Lancaster, KY car insurance quotes.

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